Lam Wong - Financial Advisor

09/24/2026

Your life insurance policy may offer more than a death benefit—it may also give you access to accumulated cash value.

But not all policy loans work the same way.

This month, I’m breaking down fixed vs. indexed/participating policy loans, how interest and crediting can work, and what you should understand before borrowing against a policy.

Read the September newsletter to learn more.

https://conta.cc/4hq7Foc

08/27/2026

A valuable estate doesn’t always mean a liquid estate.

For families with significant assets tied up in a business, real estate or investments, life insurance can play an important role in estate planning—providing liquidity, helping preserve assets, equalizing inheritances and creating greater certainty around the legacy left behind.

This month, Lam Wong takes a closer look at where life insurance can fit into a thoughtful estate and wealth-transfer strategy.

Read the latest newsletter: https://conta.cc/4iwdWAE

Email from L.Wong Retirement Strategies How life insurance can provide liquidity, preserve assets and help you plan for the legacy you want to leave behind.   MONTHLY NEWSLETTER     CONTACT ME / 联系我 A

07/30/2026

Many investors believe they'll pay just 15% or 20% on long-term capital gains. In reality, federal surtaxes and state taxes can significantly increase the amount owed.

In this month's newsletter, I explore why understanding the full tax picture is essential for protecting your wealth and making informed investment decisions.

https://conta.cc/45AEnNO

Email from L.Wong Retirement Strategies Federal taxes are only part of the story. For many investors, state taxes can significantly increase the true cost of selling appreciated assets.   MONTHLY NEWS

07/23/2026

Retirement planning doesn't stop when you retire.

The transition from saving for retirement to creating income from your assets brings a new set of challenges, including inflation, healthcare expenses, taxes, and spending decisions.

This Associated Press article highlights several important considerations for retirees and those preparing for retirement in the years ahead.

Read more:

If there’s one group likely to be experiencing the most consternation over inflation and economic uncertainty, it’s those who have just retired or are about to

06/29/2026

Market downturns are inevitable. How you prepare for them can make all the difference.

In this month's newsletter, I discuss how bear markets can affect retirement income and why protecting a portion of your savings may help you navigate periods of market volatility with greater confidence.

Read the full newsletter and explore the attached bear market guide to learn more.



https://conta.cc/4vz1Zht

Email from L.Wong Retirement Strategies How market downturns can impact retirement income—and why preparation matters.   MONTHLY NEWSLETTER     CONTACT ME / 联系我 A Message from Lam June 29, 2026  Mar

06/25/2026

Retirement isn't just about building wealth—it's about creating dependable income.

A thoughtful income strategy can help address market volatility, inflation concerns, and the challenge of making retirement savings last.

This article outlines a simple framework for building a retirement income plan designed to support both essential expenses and long-term goals.

Worth a read for anyone approaching retirement.

Real life can lay waste to shaky retirement income formulas. It's better to build a stable plan for your money in three layers: Need, want and grow.

05/29/2026

Are your mutual funds creating an unexpected tax bill?

Many investors are surprised to learn they may owe taxes on mutual fund gains even when they haven't sold anything. Learn how mutual fund taxation works and why tax efficiency matters for long-term retirement planning.

Read the full article online:
https://conta.cc/3RtZZIf

Email from L.Wong Retirement Strategies Many investors pay taxes on mutual funds every year without realizing why. Learn how these hidden costs can affect long-term growth.   MONTHLY NEWSLETTER     CO

05/15/2026

Inflation may not feel as dramatic as it did a few years ago — but retirees are still feeling the pressure where it matters most: groceries, healthcare, insurance, and energy costs.

This article highlights why protecting purchasing power remains one of the biggest retirement planning challenges today.

A good reminder that retirement planning isn’t just about growing assets — it’s about making income last.

The price of everything is rising, but that doesn't have to derail your retirement plans. Ask yourself these questions to make sure you are still on track.

05/07/2026

Today’s guaranteed interest rates and guaranteed lifetime income annuities are at some of the most attractive levels we’ve seen in years. This article explores an important retirement reality: why many people still don’t feel at peace even after accumulating $5 million or more when retire The answer often isn’t about how much they have — it’s about the absence of guaranteed income. If interested to know more about these annuities, reach out today....

I took a deep dive into what actually builds retirement confidence. The answers had less to do with the amount saved than I expected.

04/24/2026

Many investors are looking for ways to grow assets while managing market risk. Accumulation-focused fixed indexed annuities may offer a valuable combination of tax-deferred growth potential and principal protection. This month’s newsletter explores how they can complement a long-term retirement strategy.

https://conta.cc/494MmF0

Email from L.Wong Retirement Strategies See how accumulation-focused FIAs can offer tax advantages, growth potential, and downside protection.   MONTHLY NEWSLETTER     CONTACT ME / 联系我 A Message from